| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.4 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 15.7% | 11.9% | +3.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $287.5M | $254.8M | $159.3M | $30.9M | $2.4M | 1.62% | 2.84% | 0.00% |
| Q1 2026 | $299.0M | $263.7M | $165.6M | $28.6M | $1.1M | 1.48% | 2.74% | 0.00% |
| Q4 2025 | $304.2M | $249.5M | $173.7M | $32.4M | $4.0M | 1.36% | 2.59% | 0.04% |
| Q3 2025 | $293.4M | $255.5M | $152.1M | $30.9M | $3.0M | 1.38% | 2.53% | 0.00% |
| Q2 2025 | $290.3M | $253.6M | $151.4M | $27.7M | $1.9M | 1.33% | 2.47% | 0.00% |
| Q1 2025 | $291.4M | $262.4M | $148.9M | $25.1M | $911K | 1.26% | 2.36% | 0.00% |
| Q4 2024 | $287.9M | $257.9M | $160.3M | $24.2M | $2.9M | 1.04% | 2.24% | 0.00% |
| Q3 2024 | $285.5M | $247.3M | $154.0M | $25.4M | $2.3M | 1.07% | 2.17% | 0.00% |
Loan mix (Q2 2026): real estate $84.3M · commercial $34.3M · consumer $3.4M · securities $112.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.6% | 62.9% | 6th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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